Liquidity Guarantee for SME's
Worker at a destillery

Finance your SME-company with a Liquidity Guarantee

Is your company impacted by the corona crisis and do you need liquidity in the bank in order to finance your company expenses?

EKF’s Liquidity Guarantee supports exporting Danish SME-companies whose turnover declines by 30 % or more as a result of the coronavirus crisis. The guarantee will secure the liquidity you need to meet your payroll, supplier and rent costs for example even though your earnings have decreased.

This is achieved by EKF covering 90 % of any loss your bank might make on a new loan made to you, to secure the liquidity of your business. This makes it more attractive for the bank to give you a loan. A Liquidity Guarantee can cover loss of revenue in the period 1 March 2020 to 1 June 2022.
Notice: The scheme is closed as of 1 June 2022 and you can no longer file an application.

What we offer

It enables you to get a loan from a bank even if you are experiencing a decrease in turnover.
You will be able to keep your company running and pay wages, suppliers, rent and other fixed costs even if your earnings go down.
You gain a stable financing plan.

Requirements for your business

At least 10% of your total turnover in 2019 must have been generated by exports. Exports include direct exports to or in a foreign market, sub-contracting to Danish exporters and revenue from foreign tourists in Denmark.
You have experienced or expect to experience a decline in turnover of a minimum of 30% as a result of the spread of COVID-19. Loss of turnover may be for the entirety of, or part of (minimum of 14 days), the period from 1 March 2020 to 1 June 2022 relative to the same period in 2019.
Your company must be creditworthy and not in financial distress as of 31 December 2019, i.e. before the onset of the coronavirus crisis.
Your business must be conducted in an environmentally sound and socially responsible manner.

How a Liquidity Guarantee works

A Liquidity Guarantee helps you finance your company's current operating expenses if your earnings decrease as a result of the corona crisis.

We assume the majority of your bank's risk, and with our backing, it is more attractive for your bank to grant you a credit facility.
The process

How to access a Liquidity Guarantee

To fødevareproducenter i kitel står ved et samlebånd.

You need increased liquidity

EKF ansat gennemgår dokumenter med sin kollega.

Your bank requests additional security

Your bank would like to give you a line of credit, but wants security in case anything goes wrong. We can provide that security.


The paperwork

The application for a Liquidity Guarantee must be made by your bank. In support of the application, your bank will ask you to complete a company declaration.

The bank sends the documents to us, and we then run a credit rating check on your company.

Ikon for Købsaftale i EKF's rød og blå farve

We send an offer

If we agree to guarantee the credit, we send an offer to your bank. Your bank contacts you.

Tømre beskærer træplanker


You and your bank accept the offer, and your bank asks us to issue a Liquidity Guarantee.

Your credit is available

We issue your Liquidity Guarantee, and you get your credit with the bank.

Relevant documents

Contact an advisor
Kenneth Plum, SMV & Klima

Any questions about Liquidity Guarantee?

If so, call or write Kenneth Plum on telephone +45 3546 2614 or e-mail